US bank regulators propose Basel III capital rules and a lower GSIB surcharge

The Federal Reserve, FDIC and OCC asked for comment on proposals to modernize the capital framework, including the final Basel III components for the largest banks. The largest banks would use one set of risk-based calculations instead of two, and the Fed separately proposed revising the GSIB surcharge. The agencies say the package would modestly reduce capital requirements for large banks.

• Largest banks move to one set of risk-based capital calculations
• Credit, market and operational risk requirements recalibrated
• Fed separately proposes revising the GSIB surcharge
• Agencies say large-bank capital requirements would modestly fall
• Comments were due June 18, 2026